Credit union · NCUA insured
KV FCU Savings Rates
KV FCU’s best savings rate is 1.51% APY on $10,000, with its Special Savings. Rates checked October 22, 2026.
How KV FCU’s savings rates compare
Compared with banks and credit unions near Augusta, ME, where KV FCU has the most branches. $10,000, best rate first.
This credit union’s best
KV FCU
1.51%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $151
Special Savings
Top rate
Northeast Bank
3.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
2nd-highest rate
Camden National Bank
2.65%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $265
KV FCU savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.51%
- $100,000 balance$100,0002.02%
- QualifiedQualified1.51%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where KV FCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special Savings
1.51%APY
Maintain a balance of $2,500.00 or higher. Earn monthly dividends on balances over $100.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $20,000 | 1.51% | $151 |
| $20,001 – $75,000 | 1.77% | — |
| $75,001 and up | 2.02% | — |
Kasasa Saver
Up to 0.50%APY
Linked to free Kasasa Cash or Kasasa Cash Back checking account. Free eStatements enrollment is a minimum requirement. Qualifying cycle requirements in attached checking: at least 12 debit card purchases and log into online banking at least once a month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000When Kasasa Cash checking qualifications are met. | 0.50% | $50 | When Kasasa Cash checking qualifications are met. |
| Any balanceWhen Kasasa Cash checking qualifications are not met (base dividend rate). | 0.01% | $1 | When Kasasa Cash checking qualifications are not met (base dividend rate). |
| $10,000 and upWhen Kasasa Cash checking qualifications are met; 0.05% interest rate on portion of balance over $10,000.00, resulting in 0.50% to 0.09% APY depending on balance. | 0.05% | $5 | When Kasasa Cash checking qualifications are met; 0.05% interest rate on portion of balance over $10,000.00, resulting in 0.50% to 0.09% APY depending on balance. |
Share Account
0.05%APY
Earn monthly dividends on balances over $100.00. Borrow against your Share Account at a reasonable rate.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Special-purpose accounts
HSA Special Savings
1.51%APY
Tax-friendly HSA special savings account for future medical expenses. Anyone under 65 covered by a qualified HDHP and not another health insurance carrier or Medicare, and not claimed as a dependent.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $20,000 | 1.51% | $151 |
| $20,001 – $75,000 | 1.77% | — |
| $75,001 and up | 2.02% | — |
IRA Special Savings
1.51%APY
Tax-advantaged IRA special savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $20,000 | 1.51% | $151 |
| $20,001 – $75,000 | 1.77% | — |
| $75,001 and up | 2.02% | — |
Club Accounts
0.05%APY
Deposit each week and receive Christmas Club check in the fall; or establish for vacations, taxes, or short-term savings goals. Earns dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
HSA Share
0.05%APY
Eligible to anyone under 65 covered by a qualified High Deductible Health Plan (HDHP) and not another health insurance carrier or Medicare, and not claimed as a dependent. Pre-tax contributions and tax-free interest.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
IRA Share
0.05%APY
Tax-advantaged IRA savings share account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Monty Moose
0.05%APY
For ages 5 through 12 years. Must have a parent, guardian or adult relative joint on the account. Must have Birth Certificate and/or Social Security card for child.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Who can join KV FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, attends school, or worships in Kennebec County or Somerset County.
Family and household
- Membership extends to immediate family members.
Other ways
- Membership is open to businesses and other legal entities within Kennebec County or Somerset County.
Cost to join
- Requires an initial deposit of $5.00 when establishing a Monty Moose Account.
- Requires an initial share deposit/minimum balance of at least $25.00.
Membership information collected October 4, 2026.